401 Cross St, Lodi, CA 95242 Property Records

San Joaquin County property record for 401 Cross St, Lodi, CA 95242

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 808 sqft · built 1954
Lot Size	0.141 acres (6,135 sqft)
Owner	Individual Name on Record
Last Sale	$15,000 (Sep 2015)
Tax Bill	$1,747 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`035-230-390-000`

Property Details

APN / Parcel Number

Primary APN	`035-230-390-000`
Alternative APN	`035-230-39`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	808 sqft Living Area
1st Floor Area	808 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,135 sqft (0.141 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	035-230-39
Street Address	401 CROSS ST
City	LODI
State	CA
Zip	95242-2404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 335 LOT 39
Legal Subdivision	KIRST ESTATES
Legal Block	2
Legal Lot Number	39
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	2
Census Block	2013
Census Tract	4205

Owner

Source: San Joaquin County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	401 CROSS ST, LODI, CA 95242-2404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2015 · Amount on Record
Deed Sale	Sep 23, 2015 · Amount on Record
Prior Sale	Feb 8, 2001 · Amount on Record
Deed Document Number	2015114824
Prior Transfer Date	Sep 17, 2015
Prior Transfer Doc	0000114824
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	401 CROSS ST, LODI, CA 95242-2404
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CROSS ST, LODI, CA 95242-2404

Mortgage

Document Number	0000128044
Date	Jul 30, 2021
Instrument	2021-128044

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	401 CROSS ST, LODI, CA 95242-2404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CROSS ST, LODI, CA 95242-2404

Mortgage

Document Number	0000009377
Date	Jan 28, 2019
Instrument	2019-009377

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Lodi City
Unified School District	Lodi Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,747.00 (+0.4%)
2025	$1,740.00 (+4.19%) Homeowner's exemption	$166,487 (+4.04%) Land $49,717 Building $116,770
2023	$1,670.00 (+2.39%) Homeowner's exemption	$160,025 Land $47,788 Building $112,237	$304,470
2022	$1,631.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LODI serves 67,093 people · EPA ID CA3910004
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 747 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: GeoLinks, Matrix Broadband, Verizon.

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